415 Cunningham Rd, Spring City, TN 37381 Property Records

Rhea County property record for 415 Cunningham Rd, Spring City, TN 37381

Property Summary

Property Type	Single Family Home
Details	2 ba · 1,300 sqft · built 1993
Lot Size	1.8 acres (78,408 sqft)
Owner	Individual Name on File
Tax Bill	$573 (2025)
Deeds & Mortgages	Jul 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`072018 05701`

Property Details

APN / Parcel Number

Primary APN	`072018 05701`
Alternative APN	`018 05701`

Interior

Full Baths	2 Baths
Plumbing Fixtures	6 Plumbing Fixtures
Stories	1 Story
Building Area	1,300 sqft Living Area
1st Floor Area	1,300 sqft
Flooring	Carpet
Interior Walls	Paneling

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1998
Exterior Material	Brick
Foundation Type	Footing
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	78,408 sqft (1.8 acres)
Terrain	Rolling
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Deck Area	80 sqft
Patio Area	208 sqft
Shed	1 Shed
Shed Area	1 sqft
Pole Barn	336 sqft

Utilities, Heating & Cooling

Cooling System	Package A/C
Heating System	HVAC
Sewer	Connected

Location & Zoning

Street Address	415 CUNNINGHAM RD
City	SPRING CITY
State	TN
Zip	37381-5602
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DISTRICT: 1
Jurisdiction	RHEA TN
Township / Civil Division	1
Census Block Group	2
Census Block	2005
Census Tract	975000

Owner

Source: Rhea County records · APN 072018 05701

Assessment roll updated May 20, 2025 · Last verified February 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	415 CUNNINGHAM RD, SPRING CITY, TN 37381-5602
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Transfer Date	Feb 13, 2015
Transfer Doc	0000065446
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RHEA TN
Recording Date	Jul 27, 2026
Property Address	415 CUNNINGHAM RD, SPRING CITY, TN 37381-5602
Document Number	0000034411
Book / Page	755 / 304
Instrument Date	Jul 20, 2026
Instrument	202634411
Transaction Type	Mortgage
Record Updated	Aug 04, 2026
Title Company	STONEBRIDGE LAND TITLE, STONEBRIDGE TITLE

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000034411,
Date	Jul 27, 2026
Book Page	755/304
Instrument	202634411

Lender

Name	FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 01, 2041

Interest

Rate Type	Fixed Rate
Rate	5.81%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Rhea County records · Assessment roll updated May 20, 2025 · Last verified February 2026

Property Jurisdictions

Type	Name
State	Tennessee
County	Rhea County
Unified School District	Rhea County School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$573.00	$42,525 (-) Land $5,425 Building $37,100
2024	$573.00 (-4.98%)	$42,525 (+58.97%) Land $5,425 Building $37,100	$170,100 (+58.97%) Land $21,700 Building $148,400
2022		$26,750 Land $3,100 Building $23,650	$107,000 Land $12,400 Building $94,600
2021	$603.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of November 27, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (2012)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Feb 2012 · other causes

Wildfire

Wildfire Risk	Moderate above 58% of the US · above 79% of Tennessee
Wildfire Likelihood	0.2% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 9 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	NORTH U.D. OF RHEA COUNTY serves 3,640 people
Water Source	Purchased surface water from several systems
Last State Inspection	Jul 2025
Lead	1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.